If you’re in a car accident and the at-fault driver does not have liability insurance or cannot be identified, this coverage would help pay for medical and related expenses that you incur.
In some states, Uninsured Motorist Coverage will also help pay for expenses if the at-fault driver has insurance, but not a sufficient amount to cover your auto insurance claim. What does this mean? Let’s say the driver at fault only meets the state’s minimum liability coverage, but your medical bills amount to more than their coverage. Depending on the state you live in, your Uninsured Motorist Coverage could help pay the difference. In some states, Uninsured Motorist Coverage could also help cover your property damage.
Ever wondered what would happen if an uninsured driver hit your car, injured you, and then couldn’t pay for your damages? Or what would happen if your car were involved in a hit-and-run accident? If you have, Uninsured Motorist Coverage could help bring you peace of mind. This coverage was designed to help you pay for bills that are the result of a crash caused by another driver who either doesn’t have auto insurance, or doesn’t have enough of it to cover the costs that follow your covered loss.
While some states have laws requiring drivers to include Uninsured Motorist Coverage on their auto insurance policies, other states allow the insured to reject the coverage. If you’re not sure what your state requires, visit a Direct Auto & Life Insurance location near you or give us a call at 1-877-GO-DIRECT (1-877-463-4732).
Potential real life scenario: You're in your car with your best friend. While stopped at a red light, your vehicle is rear-ended by a truck. The truck speeds away and there are no other witnesses. You and your friend are injured and your car's bumper is destroyed. You call the police and file a hit & run report. Subject to your policy limits, your UM coverage would help cover the cost of you and your friend's medical treatment. And, depending on where you live, it could help cover the cost to repair or replace your damaged vehicle.
Uninsured Motorist Coverage can also be included in a commercial auto policy. Similar to Uninsured Motorist Coverage on your personal auto policy, Uninsured Motorist Coverage on your commercial auto policy could help pay for the medical and related expenses that you or a covered employee incur as the result of a hit-and-run-accident, or an auto accident in which the at-fault driver does not have liability insurance or not enough of it to cover your claim.
Uninsured Motorist Coverage could be a smart way to protect the hard work you’ve invested in your business and your employees. If you’re not sure whether Uninsured Motorist Coverage would be a beneficial addition to your small business’s commercial auto policy, visit a Direct Auto & Life Insurance location near you or give us a call at 1-877-GO-DIRECT (1-877-463-4732).
For more information about Uninsured Motorist Coverage to your personal car insurance plan or commercial auto insurance plan, visit a Direct Auto & Life Insurance location in your area.